Ukubuyiselwa akukwazi ukuqikelelwa kodwa iipateni zembali zinokuba luncedo
I-Stock Market ilahleka njani imali?
Ukubuya kweemakethe ezithengileyo kwamasheya kwenzeka, ngokomyinge, omnye kwiminyaka emine. Uza kubona iminyaka emihle kakhulu ngaphezu kweminyaka embi.
Ukubuya kwe-annualized ye-S & P 500 Index yayingama-11.69% ukususela ngowe-1973 ukuya ku-2016. Kunoma yimuphi unyaka onikeziweyo, ukubuyela ngqo ekufumaneniyo kuya kuba kuhluke kakhulu kunokuba kubuyiselwe umyinge.
Amajelo athetha ngokubanzi malunga nokulungiswa kweemarike kunye neempahla zeebhere.
- Ukulungiswa kwemarike kuthetha ukuba imakethe yemasheya ihla ngaphezu kwe-10% ukusuka phambili. Oku kuya kwenzeka phakathi konyaka, kwaye imarike inokubuyiselwa ekupheleni konyaka, ngoko ukulungiswa kweemarike kungenakuze kuboniswe njengento engafanelekanga kwimbuyekezo yonyaka wekhalenda.
- Imarike yebhere ivela xa i-marhwebo ihla ngaphezu kwama-20% ukusuka kwiphakamileyo yayo yangaphambili. Uninzi lweemarike zeebhere ezidlulileyo malunga nonyaka ubude. Kwidatha engezantsi, ubona iimakethe ezimbini zebhere; 2002 no-2008.
Umzekelo wembuyekezo unokwahluka kwiminyaka emininzi eyahlukeneyo. Xa uthatha umhlalaphantsi, ukubonakaliswa kwakho kwipatheni embi, apho uninzi lweminyaka embi evela ngaphambi kokuthatha umhlalaphantsi, ubizwa ngokuba ngumngcipheko wokulandelana . Njengoko iminyaka embi ilindeleke, akuthethi ukuba awufanele utyalomali kwiisitokisi; oko kuthetha nje ukuba kufuneka ubeke ilindeleke ngokwenene xa wenza.
Ixesha kwiMarike ngokuThatyathwa kweMarike
Iminyaka edlulileyo inefuthe, kodwa iqondo apho lichaphazela khona lihlala lizimisele ukuba ngaba unquma ukuhlala utyalo-mali okanye uphume. Utyalo-mali ngombono wexesha elide unokufumana inzuzo enkulu, ngelixa umntu obona ngethuba elifutshane eliza kungena, kwaye emva kwexesha elibi emva kokuba unyaka ombi unokulahlekelwa.
Ngokomzekelo, ngo-2008, i-S & P 500 yalahlekelwa ngu-37% wexabiso layo. Ukuba utyalwe i-$ 1,000 ekuqaleni kwonyaka kwisikwerelo seengxowa-mali, uza kuba nama-37% ngaphantsi ekupheleni konyaka-okanye ukulahleka kwe-$ 370 - kodwa kuphela ukulahlekelwa xa uthengisa utyalo-mali ngelo xesha. Nangona kunjalo, ubukhulu balo nyaka ophantsi bungathetha ukuba kuthatha iminyaka emininzi ukuba utyalomali lwakho uhlawule ixabiso layo. Emva ko-2008, inani lakho lokuqala elilandelayo luza kuba li-$ 630. Ngo-2009, kukho ukwanda kwe-26.5%. Oku bekuza kuzisa ixabiso lakho ukuya kuma-$ 797, elingaphantsi kwe-$ 1,000 yakho yokuqala.
Ngo-2010, ukuba uhlale utyalomali, ubuya kubona enye inyuke ye-15.1%. Imali yakho yayiya kuba yi-917 yee-dollar, isalula ukufumana ngokupheleleyo. Ngo-2011, omnye unyaka onobuhle wenzeke kwaye ubuya kubona enye inzuzo, kodwa i-2.1% kuphela. Kwakungekho ukunyuswa komnye u-16% oya kuba ngu-16% oza kubuyela emva kwe-$ 1,000 etsalwa ngexabiso lentengo-mali eyi-$ 1,088.
Ukuba uthe wahlala utyalo-mali u-2008 unyaka awuzange ube buhlungu kuwe. Ukuba uthengisa, nangona kunjalo, kwaye wathintela imali yakho kutyalo-mali olukhuselekileyo , bekungeke ukwazi ukubuyisela ixabiso layo ngelixa elifanayo.
Akukho mntu uyazi ngaphambili kwexesha apho ezo zibuko zentengiso yezinto zentengiso ziza kwenzeka.
Ukuba awuzimisele ukuhlala utyalo-mali kwiimarike zeebhere kunokuba ufuna ukuba ungabikho kwiimpahla, okanye ulungele ukulahlekelwa yimali, kuba akukho mntu uya kukwazi ukuhlala ngokuthe rhoqo kwiimarike ukuba angene kwaye aphephe iminyaka .
Ukuba uza kutyalomali, kufuneka ulindele iminyaka ephantsi. Unokumangaliswa njani emhlabeni xa kwenzeka? Kufuneka uyazi ukuba kuya kwenzeka, kwaye unamathela kwisicwangciso sakho sokutsalwa kwexesha elide.
Ukubuyiswa kwekhalenda ngokumalunga nokubuyiswa kwe-Rolling
Uninzi lwabatyalomali abatyala imali ngoJanuwari 1, kwaye bahoxisa ngo-Disemba 31, kodwa ukubuyela kweemarike kubakho ukuxelwa ngonyaka wekhalenda. Enye indlela yokubukela imbuyekezo kukhangele ukubuya kweembuyekezo , eziza kubheka ukubuya kweenyanga ezili-12, ngoFebruwari ukuya kuJanuwari olandelayo, ngoMatshi ukuya kuFebhuwari, ngo-Apreli ukuya kuMatshi.
Khangela iigrafu zam zeembuyekezo zembali , ngenxa yembono eqhubeka ngaphezu kombono wonyaka wekhalenda. Ukubuyiselwa kweminyaka yekhalenda kuboniswa kwitheyibhile elingezantsi.
| I-Index yeS & P 500 Index I-Market Market ibuyisela | |
| Unyaka | Buyela |
| 1986 | 18.5% |
| 1987 | 5.2% |
| 1988 | 16.8% |
| 1989 | 31.5% |
| 1990 | -3.1% |
| 1991 | 30.5% |
| 1992 | 7.6% |
| 1993 | 10.1% |
| 1994 | 1.3% |
| 1995 | 37.6% |
| 1996 | 23.1% |
| 1997 | 33.4% |
| 1998 | 28.6% |
| 1999 | 21.0% |
| 2000 | -9.1% |
| 2001 | -11.9% |
| 2002 | -22.1% |
| 2003 | 28.7% |
| 2004 | 10.9% |
| 2005 | 4.9% |
| 2006 | 15.8% |
| 2007 | 5.5% |
| 2008 | -37.0% |
| 2009 | 26.5% |
| 2010 | 15.1% |
| 2011 | 2.1% |
| 2012 | 16.0% |
| 2013 | 32.4% |
| 2014 | 13.7% |
| 2015 | 1.4% |
| 2016 | 11.9% |
* I-Market return data ukusuka kwi-Dimensional's Matrix Book 2016 kunye ne-DFA ukubuya 2.0 Inkqubo yesofthiwe.